Interesting!!

Never heard of it before.

Obviously I'm not a VIP for B&O  😂

I used the Virtuoso card and I'm not going to use it again. I'm a big believer that you should either save up for what you want or attempt to pay in full.

The problem with anything like the Virtuoso is that you only get the interest free for a period of time and then it reverts to a 29.9% loan (APR may have changed) if you don't manage to pay it off on time or simply forget. It works as follows: you pay off a small amount per month, during the interest free period and then are liable for the 'lump sum' at the end of this period. If you're struggling financially at the time or forget to pay this lump sum, you end up with a 29.9% loan for the remaining amount of money owed.

This  happened to me. I was working abroad at the time, was paying it off as planned, but completely forgot that the period of interest free was coming to an end. Missed paying of the 'final lump sum' and ended up on the 29.9% interest rate. However, I quickly paid that off, when I returned to the UK.

Ella Spiro,

Consider yourself lucky, because its these cards that helped us chain ourselves in debt.

Apla eivai mia pistotiki kapta ths Barclay's gia thn B&O (Its just a credit card of barclays for B&O).

I never heard of the card, but when I went to buy my BV7-40, the dealer told me about it.

So I paid for half the TV when I signed the order, then the other half a few days before the years interest free credit ran out, which gave me a bit of time to actually save for the TV 😕

I thought it was a good idea at the time, as it did let me pay for the TV I wanted, I aint used it since tho...

Katastrofi sketi. Kai alli pistotiki karta???!!?? Na leipei to visino

Pure disaster. Another credit card? (Greek saying!)

I have had one for over three years now and have used it a lot.

No problems with it but you do have to watch the finance company when the period is almost up, don't rely on them sending the last statement on time! they do try to catch you out 😜

I can see them trying to catch us out! Personally I would pay it back monthly, direct debit so no 'risk' there.

Is this a 'store card' or credit card, in the sense that can I only use it in B&O stores?

I replied to this with my experiences, but the post went to be moderated. Shame really. I don't understand what key words the moderators use to check through posts.

BTW the card can only be used with B&O and your relationship is with the credit provider (HFS, I think) and not with B&O.

moxxey wrote:

I replied to this with my experiences, but the post went to be moderated. Shame really. I don't understand what key words the moderators use to check through posts.

BTW the card can only be used with B&O and your relationship is with the credit provider (HFS, I think) and not with B&O.

I've approved the post in question moxxey. I don't know why it was put into the approval area from reading it but it has nothing to do with any "moderator" as such. The automatic filters are set very sensative on Beoworld and automatically put anything which could be construed as being risky into a holding area awaiting moderator approval. I know this can be a bit of a pain at times but we believe it is worth it to keep any unsavoury posts appearing and on the whole it works extremely well as can be seen by the lack of such material on the fora.

As always apologies are offered for any inconvenience caused.🙂

Chris.